Roles and Responsibilities

• Receive, verify, and process loan applications.
• Conduct comprehensive credit appraisals and assess members’ repayment capacity.
• Verify member eligibility based on deposits, income, guarantors, credit history and other criteria in the credit policy.
• Prepare loan appraisal reports and recommendations for approval.
• Ensure all loan documentation is complete and compliant before disbursement.
• Process approved loans within the agreed turnaround time.
• Ensure compliance with the Sacco Credit Policy, regulatory requirements, and internal procedures.
• Identify and escalate high-risk loan applications.
• Provide members with accurate information on loan products and repayment terms.
• Maintain complete and accurate loan records.
• Support branch loan growth through member engagement and product promotion.
• Prepare periodic reports on loan processing and portfolio performance.

Minimum Qualifications & Attributes

• Bachelor’s degree in Finance, Accounting, Banking, Business Administration, Economics, or a related field.
• Minimum of two (2) years’ experience in credit administration, loan appraisal, or lending within a Sacco, microfinance institution, or commercial bank.
• Sound knowledge of credit appraisal techniques and lending principles.
• Proficiency in Microsoft Office applications and Sacco/Core Banking systems.
• Professional qualifications in Credit Management will be an added advantage.

Core Competencies

• Strong analytical and financial assessment skills.
• Excellent communication and interpersonal skills.
• High level of integrity, professionalism, and confidentiality.
• Attention to detail and accuracy.
• Ability to work under pressure and meet strict deadlines.
• Customer-focused approach with excellent service delivery.
• Strong problem-solving and decision-making skills.
• Ability to work independently and as part of a team.